Moving home can be both exciting and a little bit daunting. Our qualified mortgage advisors have helped hundreds of borrowers realise their home ownership ambitions.
Whether you are upsizing, down-sizing or even just moving side-ways, we apply an individual approach to each and every case we assess – meaning that if you have circumstances that would benefit from a hands-on underwriting approach, we might be just the right lender for you.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A fixed rate for 2 years, followed by our Standard Variable rate until the end of the mortgage.
*conditions apply – click “find out more”
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.
Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV. A suitable repayment vehicle sufficient to cover the interest only part of the loan needs to be in place.
This product may be withdrawn without notice.
Representative Example
A mortgage of £237,130 payable over 30 years on our fixed rate for 2 years at 4.79% and then on our standard variable rate of 7.49% for the remaining 28 years would require 24 monthly payments of £1,242.71 and 336 monthly payments of £1,635.79 plus one initial interest payment of £466.79. The total amount payable would be £580,643.13 made up of the loan amount plus interest (£343,463.13) and a mortgage exit fee of £50.
The overall cost for comparison is 7.3% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A fixed rate for 2 years, followed by our Standard Variable rate until the end of the mortgage.
*conditions apply – click “find out more”
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.
This product may be withdrawn without notice.
Representative Example
A mortgage of £237,130 payable over 30 years on our fixed rate for 2 years at 4.94% and then on our standard variable rate of 7.49% for the remaining 28 years would require 24 monthly payments of £1,264.28 and 336 monthly payments of £1,637.16 plus one initial interest payment of £481.41. The total amount payable would be £581,635.52 made up of the loan amount plus interest (£344,455.52) and a mortgage exit fee of £50.
The overall cost for comparison is 7.3% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A fixed rate for 5 years, followed by our Standard Variable rate until the end of the mortgage.
*conditions apply – click “find out more”
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first five years. The early repayment charge will be equivalent to 5% of the capital repaid less the permitted 10% overpayment allowance in the first year and then 4% of the capital repaid less the permitted 10% overpayment allowance in the second year followed by 3% of the capital repaid less the permitted 10% overpayment allowance in the third year followed by 2% of the capital repaid less the permitted 10% overpayment allowance in the forth year followed by 1% of the capital repaid less the permitted 10% overpayment allowance in the fifth year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 5% on the excess amount in year 1 and 4% on the excess amount in year 2 and 3% on the excess amount in year 3 and 2% on the excess amount in year 4 and 1% on the excess amount in year 5.
Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV. A suitable repayment vehicle sufficient to cover the interest only part of the loan needs to be in place.
This product may be withdrawn without notice.
Representative Example
A mortgage of £237,130 payable over 30 years on our fixed rate for 5 years at 4.69% and then on our standard variable rate of 7.49% for the remaining 25 years would require 60 monthly payments of £1,228.42 and 300 monthly payments of £1,600.73 plus one initial interest payment of £457.04. The total amount payable would be £554,822.89 made up of the loan amount plus interest (£317,642.89) and a mortgage exit fee of £50.
The overall cost for comparison is 6.6% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A fixed rate for 5 years, followed by our Standard Variable rate until the end of the mortgage.
*conditions apply – click “find out more”
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first five years. The early repayment charge will be equivalent to 5% of the capital repaid less the permitted 10% overpayment allowance in the first year and then 4% of the capital repaid less the permitted 10% overpayment allowance in the second year followed by 3% of the capital repaid less the permitted 10% overpayment allowance in the third year followed by 2% of the capital repaid less the permitted 10% overpayment allowance in the forth year followed by 1% of the capital repaid less the permitted 10% overpayment allowance in the fifth year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 5% on the excess amount in year 1 and 4% on the excess amount in year 2 and 3% on the excess amount in year 3 and 2% on the excess amount in year 4 and 1% on the excess amount in year 5.
This product may be withdrawn without notice.
Representative Example
A mortgage of £237,130 payable over 30 years on our fixed rate for 5 years at 4.74% and then on our standard variable rate of 7.49% for the remaining 25 years would require 60 monthly payments of £1,235.55 and 300 monthly payments of £1,601.91 plus one initial interest payment of £461.92. The total amount payable would be £555,610.28 made up of the loan amount plus interest (£318,430.28) and a mortgage exit fee of £50.
The overall cost for comparison is 6.6% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A discounted rate for 2 years, followed by our Standard Variable rate until the end of the mortgage.
*conditions apply – click “find out more”
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital balance repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.
Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV. A suitable repayment vehicle sufficient to cover the interest only part of the loan needs to be in place.
This product may be withdrawn without notice.
Representative Example
A mortgage of £201,120 payable over 30 years on our discounted rate for 2 years at 2.65% below the Society’s standard variable rate, making the current rate payable 4.84% (variable) and then on our current variable rate of 7.49% (variable) for the remaining 28 years would require 24 monthly payments of £1,060.08 and 336 monthly payments of £1,387.77 plus one initial interest payment of £400.04. The total amount payable would be £492,756.68 made up of the loan amount plus interest (£291,586.68) and a mortgage exit fee of £50.
The overall cost for comparison is 7.3% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A discounted rate for 2 years, followed by our Standard Variable rate until the end of the mortgage.
*conditions apply – click “find out more”
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital balance repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.
This product may be withdrawn without notice.
Representative Example
A mortgage of £201,120 payable over 30 years on our discounted rate for 2 years at 2.50% below the Society’s standard variable rate, making the current rate payable 4.99% (variable) and then on our current variable rate of 7.49% (variable) for the remaining 28 years would require 24 monthly payments of £1,078.43 and 336 monthly payments of £1,388.93 plus one initial interest payment of £412.43 The total amount payable would be £493,596.92 made up of the loan amount plus interest (£292,426.92) and a mortgage exit fee of £50.
The overall cost for comparison is 7.3% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A fixed rate for 2 years, followed by our Standard Variable rate until the end of the mortgage.
Key Features
*conditions apply – click “find out more”
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.
This product may be withdrawn without notice.
Representative Example
A mortgage of £237,130 payable over 30 years on our fixed rate for 2 years at 5.29% and then on our current variable rate of 7.49% (variable) for the remaining 28 years would require 24 monthly payments of £1,315.32 and 336 monthly payments of £1,640.24 plus one initial interest payment of £515.51. The total amount payable would be £583,931.21 made up of the loan amount plus interest (£346,751.21) and a mortgage exit fee of £50.
The overall cost for comparison is 7.4% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A fixed rate for 5 years, followed by our Standard Variable rate until the end of the mortgage.
Key Features
*conditions apply – click “find out more”
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first five years. The early repayment charge will be equivalent to 5% of the capital repaid less the permitted 10% overpayment allowance in the first year and then 4% of the capital repaid less the permitted 10% overpayment allowance in the second year followed by 3% of the capital repaid less the permitted 10% overpayment allowance in the third year followed by 2% of the capital repaid less the permitted 10% overpayment allowance in the forth year followed by 1% of the capital repaid less the permitted 10% overpayment allowance in the fifth year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 5% on the excess amount in year 1 and 4% on the excess amount in year 2 and 3% on the excess amount in year 3 and 2% on the excess amount in year 4 and 1% on the excess amount in year 5.
This product may be withdrawn without notice.
Representative Example
A mortgage of £237,130 payable over 30 years on our fixed rate for 5 years at 5.19% and then on our standard variable rate of 7.49% for the remaining 25 years would require 60 monthly payments of £1,300.64 and 300 monthly payments of £1,612.23 plus one initial interest payment of £505.77. The total amount payable would be £562,657.91 made up of the loan amount plus interest (£325,477.91) and a mortgage exit fee of £50.
The overall cost for comparison is 6.8% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A discounted rate for 2 years, followed by our Standard Variable rate until the end of the mortgage.
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital balance repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.
Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV. A suitable repayment vehicle sufficient to cover the interest only part of the loan needs to be in place.
This product may be withdrawn without notice.
Representative Example
A mortgage of £237,130 payable over 30 years on our discounted rate for 2 years at 2.65% below the Society’s standard variable rate, making the current rate payable 4.84% (variable) and then on our standard variable rate of 7.49% for the remaining 28 years would require 24 monthly payments of £1,249.88 and 336 monthly payments of £1,636.25 plus one initial interest payment of £471.66. The total amount payable would be £582,342.50 made up of the loan amount plus interest (£343,794.50) and a product fee of £999, valuation fee of £369 and a mortgage exit fee of £50.
The overall cost for comparison is 7.3% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A discounted rate for 2 years, followed by our Standard Variable rate until the end of the mortgage.
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first two years. The early repayment charge will be equivalent to 2% of the capital repaid less the permitted 10% overpayment allowance in the first year and 1% of the capital balance repaid less the permitted 10% overpayment allowance in the second year. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess amount in year 1 and 1% on the excess amount in year 2.
This product may be withdrawn without notice.
Representative Example
A mortgage of £237,130 payable over 30 years on our discounted rate for 2 years at 2.5% below the Society’s standard variable rate, making the current rate payable 4.84% (variable) and then on our standard variable rate of 7.49% for the remaining 28 years would require 24 monthly payments of £1,271.52 and 336 monthly payments of £1,637.61 plus one initial interest payment of £486.28. The total amount payable would be £583,333.18 made up of the loan amount plus interest (£344,785.18) and a product fee of £999, valuation fee of £395 and a mortgage exit fee of £50.
The overall cost for comparison is 7.4% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial Interest Rate
Total Cost for Comparison
Followed by our Standard Variable Rate
Loan to Value
Loan to Value for Interest Only
Application Fee
Product Fee
Exit Fee
A discounted rate of 1.75% for 3 years followed by our Standard Variable rate until the end of the mortgage.
You can repay lump sums over and above your minimum monthly repayment without any early repayment charge of up to 10% of your capital balance each year. Your capital balance is calculated when you take out your mortgage at each anniversary. Full details will be found in your Mortgage Illustration (ESIS).
An early repayment charge will be payable if the mortgage is redeemed within the first three years. The early repayment charge will be equivalent to 2% of the capital repaid in years 1 and 2 and 1% of the capital repaid in year 3, less the permitted 10% overpayment allowance. Overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur an early repayment charge of 2% on the excess in years 1 and 2 and 1% on the excess in year 3.
Available for properties where a proportion of the main property or a separate dwelling, for example an annexe, will be let out. Holiday let and residential tenancies are acceptable. Long-term leases, licences and commercial letting are not acceptable. At no point can the full property be rented out and at least 40% of the overall floor area must be used as a residential dwelling on an owner occupancy basis. Houses of Multiple Occupancy (HMOs) are not acceptable.
Satisfactory buildings insurance (including public liability cover) must be arranged, and evidence provided to the Society, confirming that the insurer is aware that elements of the property will be occupied on a holiday let / tenanted basis.
Where any part of the loan is arranged on an interest only basis, the interest only element must not exceed 50% LTV. A suitable repayment strategy sufficient to cover the interest only part of the loan needs to be in place.
The product may be withdrawn without notice.
Representative Example
A mortgage of £100,000 payable over 8 years and 6 months on our discounted rate for 3 years at 1.75% below the Society’s standard variable rate, making the current rate payable 5.74% (variable), and then on our standard variable rate of 7.49% for the remaining 5 years and 6 months would require 36 monthly payments of £1,241.23 and 66 monthly payments of £1,299.15 plus one initial interest payment of £235.89. The total amount payable would be £132,365.39 made up of the loan amount plus interest (£30,672.39) and a product fee of £999, a valuation of £644 and a mortgage exit fee of £50
The overall cost for comparison is 7.2% APRC representative.
This representative example assumes a mortgage completion date on the 15th day of a calendar month.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from Penrith Building Society. They are not specific to your circumstances. For a Mortgage Illustration, which takes into account your specific circumstances please contact us directly using the button below.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Your eligible deposits held by a UK establishment of Penrith Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.
Further information is available here »»
(PDF Version)
Or visit www.fscs.org.uk.